Pinnacle (White Pine) Plan, White Pine PointeFlorenceKY41042
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. Rental yield 9.05%. Pinnacle (White Pine) Plan, White Pine Pointe, Florence, KY, 41042 in Florence achieves 1.68, rent of $845/mo covers the $504/mo payment 1.5x over at $111,995. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $30,942 over five years, with $1,031/yr in principal reduction bringing total projected return to $16,040.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 4.2% |
| Monthly Cash Flow | $(452) | $850 |
City averages based on Florence market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $845 |
| Total Monthly Debt Service | $1,252 |
| DSCR Ratio | 0.67x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 2026
N/A lot
$N/A/sqft
$615 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41042, Florence, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,664 (100%) |
| Owner Occupied HU | 13,975 (59.1%) |
| Renter Occupied HU | 8,544 (36.1%) |
| Vacant Housing Units | 1,145 ( 4.8%) |
| Median Home Value | $243,210 |
| Average Home Value | $262,135 |
Housing Distribution
Address Breakdown
Residential
22,976
Single Family
16,237
Multi-Family
6,739
Businesses
2,027
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Manufactured
Built in 2026
N/A lot
$N/A/sqft
$615 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41042, Florence, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,664 (100%) |
| Owner Occupied HU | 13,975 (59.1%) |
| Renter Occupied HU | 8,544 (36.1%) |
| Vacant Housing Units | 1,145 ( 4.8%) |
| Median Home Value | $243,210 |
| Average Home Value | $262,135 |
Housing Distribution
Address Breakdown
Residential
22,976
Single Family
16,237
Multi-Family
6,739
Businesses
2,027
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
